MINIMUM EDUCATION
Bachelor’s degree/Law/ Risk Management or related qualification 

MINIMUM EXPERIENCE
Minimum 5-7 years in a Compliance role within the banking or financial services sector. 

CRITICAL COMPETENCIES
In-depth knowledge of banking operations, procedures and compliance processes
In-depth working knowledge of Market Conduct, POPIA, NCA, FICA and related legislation
Ability to compile compliance risk management plans and conducting monitoring activities to ensure adherence to applicable legislation. 
Ability to analyse complex information, identify compliance risks, and recommend practical solutions
Exceptional focus on accuracy to ensure adherence to regulatory requirements and internal policies
Experience in providing regulatory compliance advice and training to internal stakeholders
Ability in monitoring and interpreting regulatory developments and changes in legislation to ensure ongoing compliance by the Bank
Agility to respond to changes in regulatory environments and business operation
Familiarity with compliance monitoring tools, reporting systems, and risk management software
Ability to influence and work collaboratively with stakeholders across different departments
Competence in leveraging data analytics to support compliance activities
Analytical and problem-solving abilities to identify and address compliance issues
Competence in drafting guidelines, regulatory submissions, policies and standards for business stakeholders 
Staying abreast and maintaining up-to-date knowledge of industry trends and best practices in the financial sector and compliance profession
Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint, Outlook)
Project management knowledge and tools for tracking compliance tasks and projects
Report writing

BEHAVIOURAL (COMP)
High ethical standards and integrity.
Strong analytical and problem-solving abilities.
Excellent written and verbal communication skills.
Ability to engage confidently with senior stakeholders.
Detail-oriented with strong organisational skills.
Ability to work independently and manage multiple priorities

TECHNICAL COMPETENCIES
Strong understanding of Banking legislation.
Compliance risk assessment and monitoring expertise.
Policy drafting and regulatory interpretation skills.
Regulatory reporting and governance experience.

Monitoring and Reporting on adherence to Statutory and policy obligations
Determine and advise the level of Compliance within each assigned business unit and entity within Business and Commercial
Develop and implement a monitoring plan based on identified areas of risk and as per routine required as well as from receipt and analysis of findings from Internal Audit
Prepare reports on same within timeframes
Advise Line Management and compliance champions of deficiencies and recommend corrective action
Maintain an issues log of deficiencies and monitor the implementation of corrective action
Report instances of non-adherence to Line Manager and the Business and Commercial Head of Compliance
Prepare the necessary Compliance reports for submission to the various management and governance forums
Perform regular audits and compliance monitoring activities to assess adherence to policies and regulations
Report findings to senior management and regulatory authorities, as required, and recommend remediation measures

Analysing Statutory requirements and Providing Advice
Determine all relevant laws and regulations pertaining to the activities  in Business and Commercial
Develop/review risk management plans in accordance with best industry compliance practice
Regularly engage with and advise the business of the relevant regulatory requirements in order to determine the necessary controls and ensure update or amendment of operational procedures
Analyse and advise on adequacy of controls to Line Management 

Programme Delivery
Launch compliance initiatives across all relevant departments, ensuring proper communication of objectives
Project management of strategic compliance initiatives under the Business and Commercial Banking compliance programme
Prepare the necessary project reports for submission to the various governance forums within the Bank 
Embed compliance controls into day-to-day operations and workflows

Draft compliance policies and guidance documents
Ensure that standard policy and process documents are in place in the various business units and that these are regularly reviewed and updated 
Creating awareness of legislative requirements and ensuring that staff are aware of and competent in all aspects of Compliance, inter alia through; conducting presentations
Issuing compliance alerts, publishing documentation on the intranet & drafting communication and advice for internal use
Advise Training Department of required training interventions in respect of new or amended laws and regulations, prepare training material as required and monitor educational outcomes
Prepare information for the Line Manager and Business and Commercial Head of Compliance for presentation at various levels within the organisation

Customer
Create and maintain productive relationships with internal and external clients by providing advice and assistance.
Create understanding of the ‘real’ versus ‘perceived’ need through, experience and expertise while complying with company policies, legislation and regulations.
Keep the client informed about progress through written communication, telephone communications and/or face to face meetings
Build a positive image by exceeding client expectations at all times
Treat internal and external customers fairly at all times

Communicating with Regulatory Bodies
Liaise with and report to regulatory authorities  required
Manage and assess the quality of regulatory reporting
Respond to any enquiries from the regulatory bodies
Liaise with business regarding special requests from Regulators and facilitate corrective action where required

Professionalism, teamwork and Innovation
Ability to engage with and work supportively with team members
Ability to add value to the efficiency of the division through process and systems enhancement including documenting and implementing enhancements
Ability to inspire team members by setting an example of professional behaviour including quality of work, meeting deadlines, communicating timeously with stakeholders, giving feedback, working additional hours where required through deadlines or urgent issues to be attended
Ability to identify opportunities for process improvement, efficiency and innovation and the provision of process and control advise

Other/general
Assisting Line Manager and Business and Commercial Banking Head of Compliance or designate with any other requirements relating to the Group Compliance function’s roles and responsibilities